Job Title
Cluster Head - Retail Agri
Business Unit
Retail Agri
Reporting To
Circle Head / Regional Head / Zonal Head
Job Function and Role Type
Sales, Supervisory, Extensive travel required
Version No
2.0
Job Purpose
Ensure business development of Retail Agri for the assigned cluster to achieve targets and profitability. Lead a result-oriented team to meet sales, recovery, and customer relationship objectives while ensuring compliance with banking regulations.
Key Responsibilities
Business Development
Achieve business targets across parameters like portfolio quality and cross-sell.
Provide strategies and guidance to meet objectives.
Ensure balanced growth and NPA control.
Customer Service & Competition Analysis
Deliver exceptional customer service.
Analyze competition to suggest customized product offerings.
Expand business in untapped areas and retain customers.
Team Management
Analyze MIS and team performance.
Recruit, train, and motivate staff to enhance productivity.
Promote a performance-driven and collaborative culture.
Cross Functional Management
Coordinate with credit, operations, and collections teams.
Align cross-functional teams with bank policies and objectives.
Others
Undertake marketing activities and branch visits.
Communicate senior management directives effectively.
Provide feedback and solutions for customer/business issues.
Education:
Graduation (preferably Agri Business), MBA (preferably Agri Business).
Certifications:
None specified.
Key Competencies
Sales and influencing skills, banking product and process knowledge, planning and organizing skills, communication, leadership/team management.
Major Stakeholders
Customers, credit, branch banking, operations, farmers, agro centers, rural markets, business correspondents, senior leaders, HR.
